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CONTENTS
Preface John Czarnecki ix
Acknowledgments xi
Introduction xiii
1. A Brief History of Banking 1 Banking in the United States 1 The Great Depression 6 World War II and the Postwar Era 7 From the 1960s to the Present 8
2. The Structure of the Financial System 9 Regulatory Agencies and Legislation 9 Banking Institutions 13
3. Brand Identification 17 Branding 17 Case Studies 18 The Use and Future of Technology in Branding 24
4. Programming 27 Programming Guide Checklist 27
5. Drive-Up Banks 33 Early Drive-Up Banks 33 Contemporary Drive-Up Facilities 37
6. Site Selection and PlanningCOPYRIGHTED MATERIAL 39 Planning and Zoning 39 Temporary Facilities 42 Conventional Drive-Up 44 Face-Up Lanes 47 Tandem Island Customer Units 50 Direct-Bury and Trench Installations for Remote Lanes 51 Commercial Lanes 52 ATM Facilities 53 Canopy Design 55 Site Signage 59 v 02_278628-ftoc.qxd 2/3/10 6:31 PM Page vi
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7. Building Design 61 The Floor Plan 61 Existing Branch Transformation 72 The Boutique Bank/Shop 79 Prototypical Design 80 Malls, Airports, and In-Store Locations 81 Call Centers 81 Online Banking and Tellers 82 Select-Market Banks 83 New Products and Services 84 Single- or Multifloor 84 The Community Meeting Room 86 Operational Space Needs 87 Building Codes 91 Utilities 94 Construction Cost Comparisons 94 Sustainability 95
8. Mechanical, Electrical, and Plumbing Systems 97 HVAC Systems 97 Special Interior Conditions 102 Plumbing 103 Electrical 104 Specialized Bank Equipment 108 Building Commissioning and Verification 109
9. Teller Rooms, Workrooms, and Associated Equipment 111 Teller Areas 111 Workrooms 116 Teller Equipment 122 Other Equipment 122
10. Specialized Equipment 125 Drive-Up Units 125 Remote Drive-Up Systems 126 Personal Teller Machines 127 Window and Drawer Units 131 Night Depositories 134 Safe Deposit Vaults 135 Automated Teller Machines 145 Alarm and Building Security Systems 148 Other Equipment 150 Forms Dispenser 150
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11. Case Studies 151 Noralco Credit Union; Fort Collins, Colorado 152 Farmers Bank of North Missouri; Saint Joseph 154 Freestar Bank; Downs, Illinois 155 Hyde Park Bank; Chicago, Illinois 157 Madison National Bank, Signature Branch; Merrick, New York 160 Pilot Bank; Tampa, Florida 161 Old National Bancorp Headquaters; Evansville, Indiana 163 River Bank; Osceola, Wisconsin 165 Mountain State Bank; Cumming, Georgia 167 Rock Springs National Bank; Rock Springs, Wyoming 168 Frandsen Bank & Trust; Forest Lake, Minnesota 170 Home State Bank; Willmar, Minnesota 172 Colonial Bank, Anthem Branch; Henderson, Nevada 175 Wachovia Bank at Eagles Landing Financial Center; Stockbridge, Georgia 176 St. Cloud Federal Credit Union; Sartell, Minnesota 178 North Fork Bank, Long Beach Branch; Long Beach, New York 180 Aloha Pacific Credit Union; Honolulu, Hawaii 182 Watermark Credit Union Headquarters Facility; Seattle, Washington 184 Fivepoint Credit Union; Bridge City, Texas 186 Banner Bank; Boise, Idaho 188
12. The Future of Bank Architecture 191
Appendices Appendix A. Federal Bank Regulators 195 Appendix B. State Banking Association Websites 199 Appendix C. Bank Equipment Manufacturers 201 Appendix D. Financial Websites 208 Appendix E. Featured Project Architects and Designers 210
Bibliography and References 212
Index 215
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